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Account Updater is a service offered by the card schemes that allows you to update the details of tokenized cards. Account Updater should be used for Stored Credentials (e.g. recurring, subscription-based billing model). This will ensure that the tokenized credit card details are up to date at all time. For example, when a customer’s card expires you would receive a rejection due to the wrong expiry date and need to contact the customer to request the new expiry date to be able to continue billing. With the Account Updater, such disruptions to the billing cycle will be prevented; card details can be updated without having to contact the customer.

The account updater service provides updates on the following cases:  

  • Expired Card
  • Change in Card Number/PAN
  • Cancelled, Lost or Stolen Card
  • Cancelled authorization

We can enable Account Updater service for Credit and Debit cards of both Visa and MasterCard. This can be done in two different ways:

  • Subscribed updates on Tokenization ServiceAfter you have integrated the usage of the Ingenico ePayments Tokenization Service, it will become possible to subscribe to the Account Updater. The Account Updater will regularly look for tokens that require updates based on predefined criteria and send update requests to the card schemes after which we update the tokens where necessary without any additional actions required by you.
  • Encrypted Batch File with transaction Details: If you are not using our Tokenization Service you can choose to make use of our Batch File solution. This solution requires you to capture the card details on your end and submit the details you like to be updated in a encrypted Batch File. We will then include these transactions in the request to the schemes. Once the response has been provided you will receive the updated records, including the reason for change and you can use these details to update your own records.

Key Benefits

  • Choose between a fully automated process and a process where you have full control
  • No dependency on your customers to keep card data up-to-date
  • Increase conversion rates. 

Flowchart

account_updater_batch_v1.png

Steps: 

    1. You submit the Account Updater batch file to the directory that has been set-up, including all the encrypted card details that you would like to be updated.
    2. You will receive an Acknowledgement file from us with a confirmation of any rejected records.
    3. Our system will process the data from your input file and include these in the Account Updater request to our Account Updater Provider.
    4. The Account Updater Provider will submit the transaction details to the Card Schemes.
    5. The Card Schemes will provide the updated account details including the reason for change and deliver the response file.
    6. The Account Updater Provider will provide us with the updated information in a response file and we will update the records in our system with the updated information.
    7. We create the response file including the updated account details and the reason for change and upload this to your directory. You can use these details to update the records in your system and use it for processing new transactions.

Integration

Encrypted Batch File Specifications

Below you will find the specifications and sample files of the following file formats: 
  • Request File
  • Acknowledgement File
  • Response File

Request File Specifications

  • Created by: Merchant
  • File format: .csv
  • File name format: INGREQ_BAU_YYMMDD_MERCHANTID.csv 
  • Number of Columns: 3
  • Header Mandatory: Yes

Fieldname

Format

Mandatory

Comments

cardnumber

N

Y

expiry_date

MMYYYY

Y

reference_num

AN

N

Can be used to add your own reference number to the file. This will be used as an end-2-end reference

Request File Sample

cardnumber,expiry_date,reference_num

5116890000000000,052021,

5116889999999990,152021,

511688000000a000,152021,

5116899999999990,022020,

Acknowledgement File Specifications

  • Created by: Worldline
  • File format: .csv
  • File name format: INGACK_BAU_YYMMDD_MERCHANTID.csv 
  • Number of Columns: 2
  • Header Mandatory: Yes

1st Row- Summary Header: 

Fieldname

Format

Mandatory

Comments

SUMMARY

AN (constant)

Y

Fixed Value “SUMMARY”

Record Summary Count

AN

Y

Total_Records:<value> Rejected_Records:<value>

2nd  and 3rd row onwards- Detail Header and Detail Records: 

Fieldname

Format

Mandatory

Comments

Record Number

N

Y

Error Reason

AN

Y

Acknowledgement File Sample

SUMMARY,Total_Records:7 Rejected_Records:2

Record Number,Error Reason

4,Invalid Expiry Date-152021.Should be in MMYYYY format for Cardnumber

5,Invalid Expiry Date-152021.Should be in MMYYYY format for Cardnumber

5,Invalid Cardnumber-Cardnumber can only be numeric

Note: Ack file will always be created for each request file submitted by Merchants.

Please note that in case there were no rejections of the input recordsit will only include the first two header records, Summary Header and Detail header but won't have any detail records in it. 

Acknowledgement File Sample - No rejections

SUMMARY,Total_Records:6 Rejected_Records:0

Line Number,Error Reason

Response File Specifications

  • Created by: Worldline
  • File format: .csv
  • File name format: INGRES_BAU_YYMMD_ MERCHANTID_YYMMD_HHMiSS.csv
  • Number of Columns: 8
  • Header Mandatory: Yes

Fieldname

Format

Mandatory

Comments

Old Scheme

AN

N

This value will be generated based on our internal IIN look-up. In case a specific IIN is not found, the value will be left blank

Old Card number

N

Y

From Request

Old Card expiry date

MMYYYY

Y

From Request

New Scheme

AN

N

  • For Updated Cards: Value either retrieved from Account Updater service or internal IIN look-up
  • For Expired and Closed Cards: Value will be left blank

New Card number

N

N

  • For Updated Cards: Mandatory
  • For Expired and Closed Cards: Value will be left blank

New Card expiry date

MMYYYY

N

  • For Updated Cards: Mandatory
  • For Expired Cards: Mandatory 
  • For Closed Cards: Value will be left blank

Unique reference number

AN

N

From Request

Update reason

AN

Y

Possible Response Reasons: 

  • UPDATED
  • EXPIRED
  • CLOSED
  • NO UPDATE
  • ERROR:SCHEME NOT SUPPORTED

Response File Sample

Old Scheme,Old Card number,Old Card expiry date,New Scheme,New Card number,New Card expiry date,Unique reference number,Update reason

MASTERCARD,5116890000000000,052021, ,                ,072022,,EXPIRED

MASTERCARD,5116899999999990,022020, ,                ,    ,,CLOSED

VISA,4011234000000000,012019,MASTERCARD,5444827534246745,012022,,UPDATED

VISA,4011235000000000,052021, ,                ,082021,,EXPIRED

VISA,4011235009999990,052021, ,                ,    ,,CLOSED

FAQs

  • How often can I submit a request file to the Batch Account Updater service?

    You can submit 1 request file per Merchant ID per day. 

  • What is the maximum number of records I can include in the Request file for the Batch Account Updater? 

    Please be advised that there is no maximum number of records for the Request file. 

  • What are the timelines for receiving feedback from the Batch Account Updater Service?

    When you submit your batch request file before 11:00 CET, your data will be processed the same day. For each file you will be receiving an Acknowledgement file on the day the request file will be processed. This file will be uploaded at 12:00 CET. The responses from the Account Updater service will take 2 business days on average. Each record will be included in the response file on the date we have received the update.